1. Accident or Injury Occurs
Nobody ever expects an accident or injury
to occur. Even if you are conscious of the dangers around you,
when an injury happens, it is still unexpected. At least, it can be frustrating and stressful. At worst, it can be permanently debilitating or deadly.
2. Seek Medical Attention
After you are involved in an automobile accident or injury, seek medical attention as soon as possible.
Even if you do not think you are injured, you should still be seen by a medical professional
right away. This is for two reasons. First, you may have an injury that
you cannot see or feel at first. For example, an EMT may notice that
you have signs of a concussion or whiplash.
Second, in the event you start to feel pain later—which is quite
likely—you will have proof that you saw a doctor right away. Insurance
companies can often use a situation in which someone denies treatment at
first against them as a supposed sign “they weren’t really injured.”
3. Consult an Attorney
Some may think that this step seems to come a little early in the time line and that perhaps, you should wait to see what the insurance company will offer or wait for a diagnosis before you seek the advice of a legal professional. This
is not the case; and for a simple reason: attorneys will not take cases
that do not need an attorney.
You have nothing to lose by reaching out to an attorney after an injury. At best, they help you get a settlement that is
much greater than what an insurance company would give you on your own.
At worst, you use the free consultation to get some much needed advice.
When you meet with an attorney, they can assess if you have a workable case and determine the best course of action for you, with them or without them.
4. Investigates Claim and Medical Records
Once you hire an attorney, they will begin to investigate the claim and review your case.
The first thing that your attorney will do is thoroughly interview you. They will want to know how the accident happened, information about your background, and any medical conditions you had before and after the incident. They will also need to know any and all places you received medical treatment for your injury. All the information gathered will be quite thorough.
This process is often done by someone called an Intake Specialist. Some of the information may be personal and some may seem
irrelevant, but there is a reason for every question. Most importantly,
an attorney needs to be ready for anything and do their best to avoid
any surprises later. If you were injured in the past, tell your
attorney. If you have large debts, tell your attorney. Clients and
attorneys should be as honest with each other as possible.
Next, the lawyer will begin to collect all of your medical records and bills relating to the injury. This will include any doctors you saw, what they said, their treatment
recommendations, medicines, etc. This too will be thorough. Sometimes
this can take a long time, depending on your treatment. The process will
take time.
5. File an Insurance Claim or Demand a Settlement
In auto accidents, first, a claim will be filed with the at-fault driver’s insurance company before an actual lawsuit is filed. A minimal amount of car insurance coverage is required in most states. If the injury was not caused by an auto accident, your attorney will
look into who was at-fault and begin a claim with their insurance.
In slip-and-falls, this may be the store’s liability insurance carrier. In cases of medical malpractice, it may be with the hospital’s liability insurance carrier. After filing a claim with the at-fault party’s insurance company, they will assign a claims adjuster to investigate the case and negotiate a settlement. If an insurance company is not involved, a demand letter can be sent to the other party mandating a settlement for the injuries sustained. A demand letter lays out what the damages are, what compensation is expected, and why.
If your claim involves a claim of permanent disability or impairment, a good lawyer will not settle it before filing suit. They will also not make a demand until the plaintiff has reached what is called a point of maximum medical improvement (MMI). MMI is when the plaintiff has ended their medical treatment
and is as recovered as they are going to get. This is to ensure that
you will get the maximum value of your case. You wouldn’t want to settle
your case, then find you need surgery a month later, which was not
covered in the original amount. Once settled, a plaintiff cannot ask for
more money.